CALL US ON:
0844 567 8270
Debt Solutions    |     About Us    |     Success Stories    |     60 Second Test    |     FAQ    |     Jobs    |    Training
Terms and Conditions

These are our terms and conditions, please read through them, print a copy and keep it for your reference.

1. ICSVCS LTD (WE, the Company.)- You / your (Client, Customer) - Defendant (Lender)

(a) We will Pre assess your Credit Agreement(s) and, if appropriate, pursue on your behalf, a claim for the remaining balance of the Credit Agreement to be deemed unenforceable; reimbursement of repayments made, plus statutory interest and future repayments discontinued.

(b) We will provide this service only at your request.

(c) A Solicitor from our panel will correspond and negotiate with the lender on your behalf in this action. We will require you to sign a ''Letter of Authority'' to facilitate this.

(d) We will recommend a solicitorís practice that we think are best placed to assist you, you are not obliged to accept our recommendation, and are free to instruct a solicitor of your choice.

(e) If you accept our recommendation as to which solicitor to instruct, you will enter into a contract directly with the recommended solicitor. That contract will set out the circumstances in which you may be required to pay the solicitor for work they carry out on your behalf.

(f) We will endeavour at all times to provide you with the professional and dedicated service that you deserve. We will use all reasonable skill and care in the processing of your claim for reimbursement. To include repayments made within a regulated credit agreement agreed or judged to be unenforceable.

(g) We will always act in your best interests in pursuing your claim on repayments made and seek to always obtain the best results.

(h) We will return all your documents (including bank statements, policy or credit agreements) upon receipt of all monies due in accordance with this agreement.

(i) We will assist you in completing all or part of our application, and/or any subsequent forms which you may be experiencing trouble with.

2. What ICSVCS will NOT do for you:

(a) We will NOT advise you to pursue a claim that in our opinion has no realistic chance of success, or where the amount in issue does not in our opinion justify the likely work involved, and we reserve the right to cancel this agreement if we form this opinion.

(b) We will NOT advise you to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable, and we reserve the right to cancel this agreement if you wish to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable.

(c) We will NOT accept an offer without your agreement.

(d) We will NOT give or offer you financial advice as part of any claim. This may be offered separately.

(e) We will NOT take steps to remove any negative credit entry that your lender may have registered against your name but without commitment or prejudice we may offer advice and assistance.

(f) We will NOT offer legal advice directly in the event of court proceedings being issued in respect of your case going to the court stage we will guide and assist you as far as we can and if needed refer you to our panel of qualified solicitors for direct legal assistance.

3. What we expect from you:
(a) To provide us promptly with all relevant information and items we request to enable us to pursue your claim.

(b) To provide us with clear instructions.

(c) To cooperate with us (including sending to us any correspondence you receive directly from the defendant).

(d) Not to ask us to work in an improper or unreasonable way or to mislead us.

(e) To provide us with the exclusive authority (to the exclusion even of yourself):

(i) To pursue your claim with our assistance and that of associated companies or solicitors,
(ii) Not to enter into correspondence / negotiations with a lender without our knowledge that may jeopardise a claim.

(f) To read all of our terms and conditions and sign the disclaimer to say that you have understood them.

(g) To retain a copy of our terms and conditions for your own reference.

(h) Pay any associated court costs (refundable at point of settlement) which may become due should you decide to take your claim through the small claims court, ICSVCS will not offer any legal advice, however we will offer you support throughout the process and recommended solicitor from our panel who are best placed to assist you.

4. Our Fees

(a) We charge a flat fee of £95.00 per credit agreement claim, this fee includes the provision of a potentially mis-sold payment protection insurance claim, the fee is non refundable and is payable up-front for the provision of intermediary services with regard to the ‘Auditing’ of the client’s credit agreements; this will not include advice on debt management, mortgages or Wills, but other associated products or services identified may be referred to associate companies.

(b) If after assessment of your agreement we are informed that you do not have a claim, we will inform you of such and return any documents. Any personal information will be shredded and disposed of in accordance with the Data Protection Act. Any cancellation of claim made by the client may be liable for costs as detailed in 5(b) below.

(c) We charge a flat fee of £95.00 per a potentially mis-sold payment protection insurance claim for an insurance policy on a loan over £25,000 whereby the loan is still active or has been redeemed in the past 6 years, or for an insurance policy for a mortgage or secured loan whereby the loan is still active or has been redeemed in the past 12 years; this fee is non refundable and is payable up-front for the provision of intermediary services with regard to the assessing, packaging and processing the clients claims.

(d) If a refund of interest paid, or a refund of charges or any payments are received by way of compensation from your lender, we will charge you a percentage of those monies as a commission. However in the event that the outstanding balance of your credit card or loan is cleared whereby no monies was received by way of a compensation payment, there will be no percentage of these monies to be paid as a commission to ICSVCS.

5. Cancelling this Agreement

(a) We can cancel this arrangement at any time, and no fee will be payable by you, if we advise that your claim is unlikely to succeed and if you have not breached your duties set out at section 3 above.

(b) We can cancel this arrangement at any time, If the agreement is cancelled in circumstances that entitle us to charge you for our work, those fees, if we elect to charge them, will be calculated by multiplying the number of hours (or part thereof) spent by us on your claim by the applicable hourly charging rate of £16 per hour, and time spent will be measured in units of six minutes. We will, however, warn you if we intend to charge such fees and how much they are likely to be.

(c) If you have breached your duties set out at paragraph 3 above or

(d) If you accept an offer that we consider inadequate or reject an offer that we consider to be reasonable.

(e) Cancellation of this agreement by either party must be in writing.

(f) There is a 14 day cooling off period in which you may cancel the agreement without any charge.

This agreement is a legally binding contract and in signing the client disclaimer form you are accepting the terms and conditions and confirming your comprehension of its contents.

Terms & Conditions | Privacy Policy | Complaints | Claims Training | Contact Us | Useful Sites | Site Map | News

Debt Solutions

If you would like to receive more information please contact us: